1 What We Do
Connect, Don't Lend
We are a loan connection service, not a direct lender
Partner with Reputable Lenders
We work with established, licensed lenders
Transparent Information
We provide clear information about loan terms and conditions
Educational Resources
We offer resources to help you understand your options
✓ Green Flags - Good Lenders
- ✓ Licensed in your state
- ✓ Clear, upfront disclosure of all fees and rates
- ✓ Reasonable repayment terms
- ✓ No hidden fees or charges
- ✓ Good customer service and support
- ✓ Positive reviews and reputation
✗ Red Flags - Avoid These
- ✗ Pressure to sign immediately
- ✗ Unclear or hidden fees
- ✗ Extremely high interest rates
- ✗ Requests for upfront payment
- ✗ Poor online reviews or complaints
- ✗ Unlicensed or unregulated lenders
2 Understanding Loan Terms
Before accepting any loan offer, make sure you understand:
APR (Annual Percentage Rate)
The total cost of borrowing expressed as a yearly rate
Monthly Payment
How much you'll pay each month
Total Repayment
The total amount you'll pay back
Fees
Any origination, late payment, or other fees
Repayment Period
How long you have to repay the loan
⚠ Warning Signs of Predatory Lending
Be cautious of lenders who:
- • Charge extremely high interest rates (often 300% APR or higher)
- • Require access to your bank account for automatic withdrawals
- • Use aggressive collection tactics
- • Don't consider your ability to repay
- • Offer loans without proper documentation
3 Your Rights as a Borrower
Right to Information
You have the right to clear, written loan terms
Right to Cancel
Many loans have a cooling-off period
Right to Complain
You can file complaints with regulatory agencies
Right to Privacy
Your personal information should be protected
Resources for Help
If you're struggling with debt or need financial counseling:
Consumer Financial Protection Bureau (CFPB)
www.consumerfinance.govNational Foundation for Credit Counseling
www.nfcc.orgFederal Trade Commission
www.ftc.govYour State's Banking Department
Check your state's official website
Our Role in Responsible Lending
While we don't make lending decisions, we:
- • Partner with lenders who follow responsible lending practices
- • Provide educational resources to help you make informed decisions
- • Maintain transparency about our role as a connection service
- • Encourage you to compare multiple offers before deciding
Remember
Always read the fine print, ask questions, and don't feel pressured to accept any loan offer. A good lender will give you time to review the terms and answer your questions.